Rushmore Loan Management Services LLC

RE: ***-*** ***Property Address - *** *** **., *** *** ** *** *** *** * *** *** ** - ***Dear *** ***:Rushmore Loan Management Services LLC (“Rushmore”) is responding to your correspondence submitted to the Revdex.com (Revdex.com) on
October 25, 2017, regarding the mortgage loan account referenced above.On June 29, 2017, and July 20, 2017, Rushmore issued the enclosed notice which explained that it required a copy of the flood insurance policyOn August 28, 2017, Rushmore sent the enclosed notice explaining that the evidence on flood coverage was receivedHowever, after review, Rushmore determined that the policy provided had a deficient coverage amount and fell below the amount required by the mortgage agreementThe property lies in a federally designated Special Flood Hazard Area, and the terms of the mortgage and/or federal law require flood insurance to be maintained on the property at all timesOn September 18, 2017, Rushmore issued the enclosed follnotice which also advises that if proof of coverage is not provided within days, a lender-placed flood gap policy would be added to the account.The required evidence of sufficient coverage was not received, and a lender-placed insurance gap policy in the amount $was added to the loanThis amount was divided over months and equals $a month which is added to the monthly installmentPlease find enclosed a copy of the Annual Escrow Disclosure Statement completed on October 23, 2017.Rushmore then determined if the escrow balance would fall below the required cushion at any pointPlease be advised that according to Section of the Real Estate Settlement Procedures Act (RESPA), the lender may require a cushion, not to exceed an amount equal to 1/(two months) of the total disbursements for the yearThe escrow cushion was calculated at $This means that at no point should the escrow balance fall below $In July 2018, Rushmore projects to disburse $for flood insurance; the escrow balance is projected to fall to -($192.66), meaning there would be a shortage of $Rushmore then divided amount by months to arrive at a total amount of $22.83, which is the shortage spreadBelow is a breakdown of how the new monthly payment was calculated.Monthly Payment BreakdownPrincipal and Interest: $ 2,Base Escrow Payment: S Shortage Spread: S Total: $ 2,230.84If you have proof of additional flood coverage, please remit a copy of the policy to the following address:Rushmore Loan Management Services *** *** *** *** *** ** ***Sincerely,Customer Correspondence DepartmentRushmore Loan Management Services LLC

Dear *** ***:
Rushmore Loan Management Services LLC (Rushmore) is responding to your complaint submitted to the
Revdex.com (Revdex.com) on February 28, 2015, regarding the mortgage loan account referenced above
Please note, Rushmore is the servicer of the Loan and the owner of the
Loan is Ameritas Life Insurance Corp
We have conducted an investigation in regards to your February paymentEnclosed you will find a copy of the
auto drafted check which is dated March 10, Rushmore received the check on March 9, and applied
it to the loan on March accordingly
Per terms of your Note, the mortgage payment is due on the 1st day of each month and will incur late charges if
not received in full by the end of fifteen (15) calendar days after the date it is duePlease note all collection
activity by Rushmore was proper and also in accordance with applicable law
As of the date of this correspondence, the account is current and contractually next due for the April 1,
monthly installmentShould you have any questions or concerns regarding the account, please call:
Single Point of Contact (SPOC):
Name: *** ***
Direct Number: ***
At Rushmore, customer concerns are important to usShould you have any general questions other than those
referenced in the correspondence, please contact:
Customer Service Department
Monday through Thursday, 6:a.mto 7:p.mPacific
Friday, 6:a.mto 6:p.mPacific
Toll-free number

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I want to know where it says that you "legally" have to send a notice on the 2nd of the month after not receiving the payment, it clearly states that we will be assessed a late fee if we are more than days past the 1st. You can assess that late fee if we fail to pay after the 16th (due on the 1st, late after the 15th day after it is due). I fully expect that and accept that, but the constant barrage of mail and letters saying you haven't received our payment is harassing and unnecessary
Regards,
*** ***

January 26, 2018*** ** *** *** *** *** *** *** ** ***RE:*** * *** ** *** *** *** ** *** *** *** * *** *** *** *** *** ** *** *** ** * *** *** *** * ***
*** *** ** ***Rushmore Loan Management Services LLC
(“Rushmore”) is responding to your correspondence submitted to the Revdex.com (Revdex.com) on January 17, 2018, regarding the mortgage loan account referenced above.The Loss Mitigation team advised you that you were responsible for continuing to make the trial payments in the amount of $while your modification was being finalizedThe LoanModification was approved effective with the February 2, 2016, monthly installment, and a copy of the modification agreement has been enclosed for your review.As of the date of this correspondence, the account is four payments delinquent and contractually due for the October 1, 2017, monthly installmentThe total amount needed to pay the four delinquent payments is $3,Online access should be restored once the loan is reinstated, but is currently unavailable due to the loan's delinquency status.Rushmore has waived the late fees of $929.80, as a one-time courtesyPlease allow up to thirty days for the adjustments to appear on your billing statements.Rushmore received a payment on January 22, 2018, in the amount of $1,This was applied to your August and September installmentsWe also received a payment on November 8, 2017, in the amount of $929.74; this was applied to your July installmentA copy of your payment history is enclosed for your recordsIf you believe there are payments which have not been credited to your account, please provide us with proof of payment, and we will initiate the researchIf the payments were made electronically, please provide us with a bank statementIf you sent us a check, please provide us with the front and back copiesRushmore Loan Management Services is a debt collector, who is attempting to collect a debtAny information obtained will be used for that purposeIf this debt is in or has been discharged in a bankruptcy proceeding, be advised this communication is not an attempt to collect the debt against youPlease note, however, we reserve the right to exercise the legal rights only against the property securing the original obligation.EQUAL HOUSINGIf you would like to discuss available payment assistance options, please call the assigned representative:*** *** ** *** *** *** *** *** *** *** ***Should you have any additional questions, please do not hesitate to contact us.Loss Mitigation DepartmentMonday through Thursday, 6:a.mto 7:p.mPacific Friday, 6:a.mto 6:p.mPacific Toll-free number 1.888.504.7300Sincerely,Customer Correspondence Department Rushmore Loan Management Services LLCEnclosures (2)By Federal Express

Rushmore is the most corrupt mortgage lender we have encounteredOur loan was bought by Rushmore in 2013, and our lives have been miserable sinceRushmore attempted to double our payments on a fixed interest loanWe provided all the documents for them to correct their recordsWhen they would not make the adjustments, we hired the services of an attorney with the same set of recordsThey acknowledged their error, corrected the payment schedule obviously to avoid possible litigationThey then came back and said we owed a difference in payments accrued as a result of their mistakeWe have made numerous attempts at informing them that these issues had been resolved, to no availThey call us numerous times a day, at all and any hour irrespective of night or dayThey continue to threaten us with not recording our regular monthly mortgage payments even though they receive the checks and cash themThey are a source of perpetual headache

Unfortunately this is the first batter view I have had to write on a company but after being put through the ringer by multiple employees of Rushmore I have to warn others of my experienceI was repeatedly quoted an amount that I would have to use as a down payment for a loan modification of 20% which I saved in a savings account to meet their requirements only to find out that they change the amount to 50% and expected me to come up with $15,more than originally discussed in five business days and continuously made me feel like they have done so much to go out of their way to help me when they have not helped me at allI have a meeting with the lawyer today and plan on pursuing legal actionI do understand that it is my fault that I became behind on my payments and I want to make that right now that I'm receiving Social Security disability however being told something by two different professionals from the same company I should have been able to trust thatThis company has successfully done everything they can to make sure we lose our family home

See attached Response.September 22, 2017*** *** *** *** *** *** ** ***RE: Mortgagor(s) - *** M*** and *** ***Property Address - *** *** *** *** *** CA Loan Number - *** Revdex.com ID - ***Dear *** ***:Rushmore Loan
Management Services LLC ("Rushmore") is responding to your correspondence submitted to the Revdex.com (Revdex.com) on September 13, 2017, regarding the mortgage loan account referenced abovePlease note that Rushmore is the servicer of the loan and that the owner of the loan is *** *** *** AssociationThe servicing responsibilities for the loan transferred from *** ***, Incto Rushmore effective March 2, We appreciate the opportunity to provide you with this written response.You are requesting a review of your credit report and the data that was transmitted to the credit reporting agenciesOur records indicate that your loan is reporting accurately and that no correction is requiredEnclosed, please find a copy of this loan's payment history for your recordsAlso enclosed please find a copy of the credit report, which does not show duplicate trade lines listed for Rushmore.If you have any additional disputes with your prior servicer, please contact them directly.Should you have any additional questions, please do not hesitate to contact us.Customer Service Department Monday through Thursday, 6:a.mto 7:p.mPacific Friday, 6:a.mto 6:p.mPacific Toll-free number ***Rushmore Loan Management Services is a debt collector, who is attempting to collect a debtAny information obtained will be used for that purposeIf this debt is in or has been discharged in a bankruptcy proceeding, be advised this communication is not an attempt to collect the debt against youPlease note, however, we reserve the right to exercise the legal rights only against the property securing the original obligation.Sincerely,Customer Correspondence Department Rushmore Loan Management Services LLC

Dear *** ** ***:Rushmore Loan Management Services LLC (Rushmore) hereby responds to your complaint submitted to the Revdex.com on April 28, 2916, regarding the mortgage loan account referenced above.We have conducted a thorough investigation into the matters asserted in your
complaint regarding your loanWe appreciate the opportunity to provide you with this written response.Our records reflect we spoke with you on April 19, 2016, and informed you that your bankruptcy case was closed on March 28, 2016, and that your loan was contractually due for the March 1, 2016, paymentWe also discussed workout options and our deferral program about which you indicated that you would call us back on April 22, 2016, with your financial information.Rushmore made attempts to contact you from April 22, 2016, to present and unfortunately, Rushmore has not received a call back from you.The last payment posted to your account was on April 7, 2016, and the funds were applied towards your March 1, paymentFor your reference, we have enclosed a copy of your payment history.You have the right to request documents relied upon by Rushmore in reaching this determination.As of the date of this correspondence, the account is payment delinquent and contractually due for the April 1, 2016, monthly installmentIf you have any questions or would like to discuss available payment assistance options, please call:Customer Service Department Monday through Thursday, 6:a.mto 7:p.mPacific Friday, 6:a.mto 6:p.mPacific Toll-free number 1.888.504.6700Sincerely,*** *** Compliance Rushmore Loan Management Services LLC

Good afternoon,Please see our response attached. Thank you,

Dear *** ***-Smith:
Rushmore Loan Management Services LLC (“Rushmore”) is in receipt of your response submitted through the Revdex.com (“Revdex.com”) website portal on July 21, 2016, regarding the mortgage loan account referenced aboveRushmore conducted an investigation into the matters asserted in your complaint, and we appreciate the opportunity to provide you with a written responseEnclosed is a copy of the last Escrow Analysis of your loan along with your payment historyWhen there are insufficient funds in your escrow account to cover the full tax or insurance payment, Rushmore advances the funds and recoups them through your monthly paymentsThe payment history shows a tax disbursement issued July 12, 2016, for $9,of which $3,had to be advancedYou made a payment on July 15, 2016, of which $1,was applied to the escrow shortageAs of today, your escrow balance is negative $1,Sincerely,
Customer Correspondence Rushmore Loan Management Services LLC

This is the second complaint I am filing about this companyI'm in absolute awe of their disregard or care for their customersThis issue started back in July of with my taxesFast forward to today and here I am about to get a lien placed on my property because this company has not paid my taxesI have no idea where they are sending the money to because they have disbursed money from my account THREE times to pay taxes and only one has been received by my cityI need this issue resolved ASAP before a lien is placed on my property because of these peopleToday I was told by Rushmore that someone will be contacting me within 48-hrs I'm hoping this complaint reaches them and makes them actually get something done for onceI can't begin to explain the stress that this whole ordeal has caused meI NEED THIS RESOLVED NOW!!Desired Outcome: I need my taxes figured outI need to know where they are sending my moneyAnd once everything is figured out I DO NOT want Rushmore to escrow my account for taxes anymoreI need any money in my escrow account sent to me and I will take care of my own taxes since clearly this company is beyond incompetent

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
The response from Rushmore is not right first I'm not the borrower on this loanThis loan for a house that my sister had and she was murder in in and Rushmore is trying to get me to pay for MY NAME IS NOT ON THIS LOANThey flood me with all kinds of mail that they what payments on this houseThis house was foreclosed on by Bank of America and yet Rushmore is trying to collect for the full amount on the house and again MY NAME IS N ON THE LOAN!!!!
Thank You,
*** ***

They lost my money and required months to 'determine' if my account should be credited

Dear *** L***:Rushmore Loan Management Services LLC (“Rushmore') is responding to your correspondence, received by our office April 4, 2017, and another submitted to the Revdex.com (Revdex.com) on April 5, 2017, regarding the mortgage loan account referenced abovePlease note that
Rushmore is the servicer of the loan and that the owner of the loan is *** Trust, A Division of *** *** Fund Society, FSB, as trustee for Stanwich Mortgage Loan Trust, Series 2012-We appreciate the opportunity to provide you with this written response.In response to your request for information, please find the following documentation enclosed with this letter:O Note and Mortgage/Deed of Trusto These documents validate the debt for the above-referenced loan, provide the nameand address of the original creditor and explain our right to do the following:Collect any remaining debt owed under the Note and Security InstrumentAssess fees and costs to the loan as necessary, including late fees if a payment is received after the specified grace period and legal fees if a loan is in defaultInspect the property and charge applicable feesPurchase lender placed insurancePay taxes on the mortgagors behalfThese documents establish the chain between the originating lender and the currentowner of the Note and MortgageYou entered into a Loan Modification Agreement (Life of Loan) with the prior servicer, with an effective date of January 1, The previous deferment amount of $2,was incorporated into this Agreement.On August 29, 2014, Rushmore sent you a Repayment Plan Confirmation letterRushmore received a payment in the amount of $on August 29, 2014, and another payment in the amount of $1,on September 30, The additional payments to comply with this repayment plan were not made, and the plan was terminated.On October 28, 2014, Rushmore sent you a new Repayment Plan Confirmation letterRushmore received a payment in the amount of $1,on October 30, The additional payments to comply with this repayment plan were not made, and the plan was terminated.On October 20, 2015, and November 6, 2015, Rushmore sent you our Borrower Assistance Application to be completed and returnedRushmore did not receive a completed ApplicationOn December 14, 2015, Rushmore sent a letter advising that we could not offer a Home Affordable Modification because you did not provide the complete initial Application.On January 7, 2016; February 9, 2016; March 11, 2016; May 13, 2016; June 2, 2016; and July 14, 2016, Rushmore sent you letters listing alternatives to foreclosureRushmore also called and left numerous phone messages asking that you return our call.On August 9, 2016, you called Rushmore and discussed applying for a loan modificationOn August 11, 2016, Rushmore sent you our Borrower Assistance Application to be completed and returnedOn August 12, 2016, and August 19, 2016, Rushmore called and left a message asking for a return callOn August 30, 2016, Rushmore spoke to you about the missing documents needed to complete the ApplicationYou advised that you would work on sending them to us as soon as possibleOn September 8, 2016, Rushmore called and went over the additional documents that had been received and reviewed the missing documents still needed to complete the ApplicationYou advised that you would send the missing documents to us the next dayOn September 16, 2016, Rushmore sent you a letter stating we had received a complete HAMP Application and advised the next steps in our review processOn October 6, 2016, Rushmore sent you letters advising that we were unable to offer a HAMP loan modification because the amount of the good faith down payment was insufficient to offer a loan modification, and the post modification debt-to-income ratio was outside of the acceptable range.On October 20, 2016, you contacted Rushmore advising that you would like to do a repayment planYou stated you could send a payment of $1,as a down payment and then begin making payments of $1,towards a month repayment planWe agreed to submit this offer to the investor to be reviewedOn November 4, 2016, Rushmore received a payment in the amount of $1,The funds were applied to a full payment due May 1, 2016, and a partial payment towards June of The balance to complete the June 1, 2016, payment was transferred from the Suspense accountOn November 7, 2016; November 8, 2016; November 21, 2016; December 2, 2016; and December 13, 2016, Rushmore called you leaving a message for a return callRushmore did not receive a return call.Rushmore reviewed you for an in-house loan modification based on the HAMP Application that had been completedOn December 28, 2016, Rushmore send you a letter listing the documents needed to complete the ApplicationOn December 29, 2016; January 11, 2017; and January 18, 2017, Rushmore left messages requesting a return callRushmore did not receive a return callOn February 9, 2017, Rushmore sent you a letter advising that we were unable to review you for a loan modification because we did not receive a complete Application.As of the date of this correspondence, the account is payments delinquent and contractually due for the July 1, 2016, monthly installmentA payment history is enclosed for your records.On April 10, 2017, Rushmore sent you our Borrower Assistance ApplicationRushmore is willing to work with you and consider your application for any and all loss mitigation options that the owner of the loan offersOnce we have received the complete application, along with all accompanying documentation, Rushmore will review the application and provide a written response which will outline what loss mitigation options, if any, are availableIf you have any questions about the needed documentation or would like assistance in completing your application, please call your Single Point of Contact (SPOC), *** *** at 469-or the loss mitigation department at the following number:LOSS Mitigation Department Monday through Thursday, 6:a.mto 7:p.mPacific Friday, 6:a.mto 6:p.mPacific Toll-free number

Dear *** *** - ***:Rushmore Loan Management Services LLC (“Rushmore”) is responding to your correspondencesubmitted to the Revdex.com (Revdex.com) on April 14, 2017, regarding the mortgage loanaccount referenced above.You contacted Rushmore on April 5, 2017, and advised us that
you had received a claim checkfrom your insurance company in the amount of $16,499.59, and would be mailing it to Rushmorefor endorsementOn April 7, 2017, Rushmore provided you with a letter outlining the loss draftprocess, and the documents needed to release loss draft funds and begin the repair processAcopy of this letter has been enclosed for your review.The claim check was received by Rushmore on April 10, Rushmore still requires thesigned loss draft letter sent to you on April 7, 2017, the insurance adjuster’s report, and a copy ofthe contractor’s license and a contractor’s bid to begin the repair process and make the initialdisbursement of loss draft funds.Rushmore has spoken to you concerning this issue on April 5, 2017; April 7, 2017; April 11,2017, and April 18, 2017, and will continue to stay in communication with you concerning theloss draft claim process.As of the date of this correspondence, the account is payments delinquent and contractuallydue for the November 1, monthly installmentIf you would like to discuss availablepayment assistance options, please contact the assigned representative

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.This response did not address the fact that this company has refused to provide me with a copy of the Mortgage loan note, why have they refused to address this?
Regards,
*** * *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Dear *** * ***:Rushmore Loan Management Services LLC (Rushmore) is writing in response to your complaintfile with the Revdex.com (Revdex.com) on September 25, 2015, regarding the mortgage loanaccount referenced abovePlease note, Rushmore is the servicer of your Loan and the owner ofyour
Loan is *** *** **.We have conducted an investigation in regard to your complaint and the status of your loanOurrecords indicate Rushmore identified the error on the account on September 21, Youraccount was updated and all related late fees were waived on September 22, Please notethat Rushmore submitted an update as to the main credit repository agencies to reflect the creditcorrection on the loanPlease allow days for the credit bureaus to update your account withthem.We apologize for any confusion or inconvenience this matter may have caused.As of the date of this correspondence, the account is current and contractually next due for theNovember 1, monthly installmentShould you have any questions or concerns regarding the account, please call:Single Point of ContactName: *** ***Direct Number: ***Rushmore Loan Management Services is a debt collector, who is attempting to collect a debtAny information obtained will be used for thatpurposeIf this debt is in or has been discharged in a bankruptcy proceeding, be advised this communication is not an attempt to collect the debtagainst youPlease note, however, we reserve the right to exercise the legal rights only against the property securing the original obligation..At Rushmore, all customer concerns are important to usShould you have any general questions other than those referenced in your correspondence, please contact:Customer Service DepartmentMonday through Thursday, 6:a.mto 7:p.mPacificFriday, 6:a.mto 6:p.mPacificToll-free number 1.888.504.6700Sincerely,
** ** ***
Compliance
Rushmore Loan Management Services LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The information provided is outdated and incorrectI personally explained why the documents were rejected each timeAlso the response is dated 7/20/the documents were rejected again on 7/3/and on 7/17/2017 with no mention of thatThe reason for the rejection is not the fault of the county it is because Rushmore is not correctly filing the paperwork and paying the correct feeThe documents sent show that it has been almost months and rejected attempts and still the process is not completeI have filed complaints with different agencies and Rushmore is still not following through what they agreed to doI would like to have the documents sent to me so I can complete this as I'm getting closer to a foreclosure each day Rushmore does not do their job
Regards,
*** ***

Dear *** ***:Rushmore Loan Management Services LLC (“Rushmore”) is responding to your complaint submitted to the Revdex.com (Revdex.com) on June 20, and again on June 28, 2016, regarding the mortgage loan account referenced abovePlease note that Rushmore is the servicer of your loan and that the owner of the loan is Federal National Mortgage Association.On June 2, 2016, Rushmore received the Insurance Summary enclosedOn June 6, 2016, Rushmore paid your 2016-insurance in the amount of $478.28, Rushmore then reviewed your escrow account and determined that the balance remaining should be refunded to youPlease allow days from the date of this correspondence for the refund to be sent to you.Beginning with the August 1, 2016, payment no funds will be applied to your escrow account.Should you have any additional questions, please contact us at the phone number below.Customer Service Department Monday through Thursday, 6:a.mto 7:p.mPacific Friday, 6:a.mto 6:p.mPacific Toll-free number 1.888.504.6700Sincerely,Compliance Department Rushmore Loan Management Services LLC